Implementasi Program Senyum Usaha Dalam Menangani Masalah Perekonomian Mustahik

Abstract

Kemiskinan struktural di Kota Denpasar, Bali, yang dipicu ketergantungan pariwisata dan ketimpangan (UMK) dengan biaya hidup, menuntut intervensi pemberdayaan ekonomi melalui dana sosial produktif. Lembaga Dompet Sosial Madani (DSM) meluncurkan Program Senyum Usaha sebagai inovasi layanan berbasis komunitas untuk mengatasi masalah perekonomian mustahik melalui modal usaha dan pelatihan kewirausahaan. Tujuan penelitian ini adalah menganalisis pelaksanaan Program Senyum Usaha serta faktor pendukung dan penghambat dalam proses tersebut. Penelitian ini menggunakan pendekatan studi kasus. Data diperoleh melalui observasi partisipasi pasif, wawancara mendalam semi struktural, dan dokumentasi yang melibatkan informan pokok Kepala Program, Supervisor, pelaksana DSM serta informan tambahan 5 penerima manfaat. Temuan penelitian menunjukkan Program Senyum Usaha dijalankan melalui tahapan intake pengajuan form, assessment survei kelayakan, intervensi modal, pelatihan, pendampingan, dan terminasi dengan monitoring bulanan. Program berhasil meningkatkan omset usaha dan kemandirian ekonomi, namun terkendala seperti kurangnya sumber daya manusia dan faktor sosial budaya yang dimiliki oleh penerima.

Structural poverty in Denpasar City, Bali triggered by tourism dependency and wage disparities between minimum wages (UMK) and living costs demands economic empowerment interventions through productive social funds. Dompet Sosial Madani (DSM) launched the Senyum Usaha Program as a community-based service innovation to address mustahik economic challenges via business capital and entrepreneurship training. This study aims to analyze the implementation of the Senyum Usaha Program and identify supporting and inhibiting factors throughout the process. This study employs a case study approach. Data were collected through passive participatory observation, in-depth semi-structured interviews, and documentation, involving key informants (Program Head, Supervisor, DSM implementers) and supplementary informants (5 program beneficiaries). Findings reveal that the Senyum Usaha Program follows structured stages: intake (application form submission), assessment (feasibility survey), intervention (capital provision, training, mentoring), and termination with monthly monitoring. The program successfully boosted business turnover and economic independence; however, implementation faces constraints such as limited human resources and sociocultural factors among beneficiaries